Impact of Electronic Services on Customer Satisfaction: The Case of Commercial Bank in Urban Area of Nepal

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Authors: Dipendra Bikram Sijapati, Manamaya Mishra, Bishnu Khadka
Cited by: 0
References: 14

Abstract

Electronic banking (e-banking) plays a crucial role in service delivery for emerging economies like Nepal, yet its effects on customer satisfaction remain uneven and context of dependent. It investigates the influence of major e-banking services are ATMs, internet banking, mobile banking, debit cards, credit cards, and electronic fund transfers on the satisfaction levels among customers of commercial banks in urban areas. This paper based on a descriptive research design, selected respondents 188 bank customers in the Kathmandu Valley by using structured questionnaires to collect their experiences and perceptions. Data analysis drew on descriptive statistics to outline usage patterns, Pearson correlations to examine relationships between variables, and multiple regression to assess predictive impacts while controlling confounding factors. The research findings reveal that ATMs and debit cards exert a significant positive effect on customer satisfaction, likely due to their reliability, accessibility, and ease of use in daily transactions. In contrast, internet banking and mobile banking show no statistically significant impact once other services are accounted for. This stems from persistent challenges like inadequate digital infrastructure, frequent connectivity issues, and usability barriers that hinder broader adoption. Credit cards and electronic fund transfers also fall short of strong influence in this setting. Overall, the regression model accounts for 23.8 percent of the variance in satisfaction scores. These results underscore the importance of dependable transaction mechanisms in driving satisfaction. For emerging economies, the paper recommends investments in robust digital infrastructure, enhanced service quality, and targeted customer education programs to overcome barriers and maximize e-banking benefits.

Fields of Study & Subjects

Customer Service Quality and Loyalty Technology Adoption and User Behaviour Banking Sector Performance and Management

Publication details

Journal / source
American Journal of Neural Networks and Applications
Volume
12
Issue
1
Pages
1–10
Publication date
29 January 2026
Language
EN